Inkomoko – Investment Officer – Nairobi

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  • Respond to inquiries from prospective borrowers; support them to apply for our facility/investment products. 
  • Introduce the investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing. 
  • Conducts investment appraisal, collects detailed information (personal, business, and guaranties), and arranges to open new investment account. 
  • Prepares and executes investment contracts and arranges for disbursement of investment in kind. 
  • Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Advisors and Business Associates, etc. 
  • Communicate all materials to the Portfolio Manager, and assist in preparing credit reports for Investment Committee meetings. 
  • Take photos of entrepreneurs, have them sign photo waivers, and ensure entrepreneurs’ stories are posted on the Kiva platform for fundraising with all correct information. 


  • Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers. 
  • Work with the Inkomoko Kenya Business Development Services team to ensure borrower success, and Visit clients for monitoring. 
  • Maintain both delinquency and default rates below set rates during yearly goal setting, 
  • Track information about borrowers and communicate effectively with key stakeholders about client status. 
  • Actively participate as key staff in the weekly Portfolio Review Meeting. 
  • Maintain a tracking system of borrower payments and contact information. 
  • Work with the Finance& Admin team to produce invoices for payments and monthly reconciliation of investment department transactions. 
  • Interact with government leaders, court systems, and others for follow-up on lack of payments. 
  • Ensure that we are adhering to the requirements of our Kiva partnership, including reporting and journaling. 
  • Other duties as assigned by the supervisor 


  • Update both disbursements and investment repayments in the Investment Management System (LMS-powered by Odoo)
  • Maintain and demonstrate proficiency with investment software applications
  • Work with system providers to utilize applications to their fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance 
  • Assist with system parameters and design to meet the needs of multiple departments. 
  • Manage user security access
  • Ensure proper segregation of duties, develop and maintain workflows for all stages of investment 
  • Advise the Management team on how to automate key lending processes
  • Supervise all aspects of the investment operations. This supervision includes posting payments, payoffs, and balancing, disbursing investment funds
  • Ensure the lending team is provided with updates and procedural changes
  • Participates in the review and recommendations of operational systems and procedures
  • Successfully interact with lending staff to improve the accuracy and efficiencies of the Investment management system 
  • Prepare related reports and administer the system
  • Other duties as assigned by supervisor.

Minimum Qualifications

The investment officer will be a trusted partner of Inkomoko Kenya clients and basic qualification include:

  • University degree in Finance or other related fields
  • Must speak fluent English and Swahili. Knowledge of other local languages is a plus
  • Experience in group savings and group lending investments is preferred
  • Experience in Islamic lending and practice is STRONGLY preferred
  • Strong financial and accounting skills; familiarity with business financial policies in Turkana/Kenya
  • Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred
  • Prior experience dealing with customers/debt
  • Prior experience in a lending environment
  • Experience providing business advice to entrepreneurs
  • Prior experience in Investment management system software
  • Decisive individuals with the ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors to pay off the entire debt
  •  Experience in managing difficult clients and reaching positive outcomes
  •  Very strong attention to detail and good follow-through
  • Comfort with the civil court system and previous experience in litigation preferred
  •  Unrelenting perseverance, personal integrity, and critical thinking skills
  •  2+ years of work experience in relevant or applicable field
  •   Must be able to work in Kenya legally. 

What You’ll Get

This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:

  • Competitive salary, and potential KPI-based bonus
  • Incredible company culture, including deep investment in your learning and growth
  • Diverse colleagues and policies that show our commitment to equity and inclusion 
  • Talented, passionate, and committed team colleagues across the region
  • Ability to make a significant social impact to your community
  • Generous health insurance, staff savings, parental leave, sabbatical, and more benefits.

Closing Date for Applications 30th September 2023